Side-by-side · Q2 2026 data
First National Bank USA vs Xavier University Federal Credit Union
Credit union
Xavier University Federal Credit Union
New Orleans, Louisiana · Under $100 million in assets
Metric by metric
| Measure | First National Bank USA | Xavier University Federal Credit Union |
|---|---|---|
| TellerScore | 89 (stronger) | 72 |
| Capital cushion | 91 (stronger) | 90 |
| Loan quality | 99 (stronger) | 27 |
| Earnings | 86 (stronger) | 70 |
| Funding & liquidity | 62 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 92 |
| Peer percentile | 94th | 44th |
| Total assets | $249.1M | $1.7M |
| Deposits / shares | $213.1M | $1.5M |
| Capital ratio | 14.06% (stronger) | 14.02% |
| Problem loans | 0.03% (stronger) | 2.18% |
| Net charge-offs | 0.02% (stronger) | 1.54% |
| Return on assets | 1.65% (stronger) | 1.24% |
| Loans ÷ deposits | 52.6% | 31.1% (stronger) |
| Uninsured deposits | 49.9% | 0.0% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.3% | — |
First National Bank USA has the higher TellerScore (89 vs 72). On the 7 directional measures above (where higher or lower is clearly better), First National Bank USA leads on 5 and Xavier University Federal Credit Union on 2. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.